Can I withdraw cash from China Construction Bank credit card?

Yes, it can be withdrawn.

Credit cards can withdraw money, and there are three ways to withdraw money

1. Cash advance:

Cash advance is one of the basic functions of a credit card. Cardholders do not need to apply to the bank in advance. They can directly insert the card into the ATM machine to withdraw cash. The amount of cash withdrawal is generally 50% of the available limit of the credit card.

2. Cash withdrawal in installments:

This method of cash withdrawal requires the cardholder to apply to the bank, and the bank will also conduct an review. If the review is passed, the bank will transfer the money to the bank's savings card in the name of the cardholder; if the review fails, the bank will One cannot withdraw cash.

3. Cash withdrawal of overpayment:

Overpayment is the money stored in the credit card by the cardholder, which can be withdrawn directly from the ATM machine.

Credit card cash withdrawal is one of the inherent functions of the credit card itself. Cardholders can use the credit card to withdraw cash from the bank. Credit card cash withdrawals mainly include overdraft cash withdrawal and overpayment cash withdrawal. Overdraft withdrawals require interest, and interest is calculated from the day you withdraw cash, while overdraft withdrawals do not require interest and only require a partial handling fee, depending on the regulations of each bank.

The overdraft cash withdrawal limit is set according to the cardholder's card usage, and the maximum limit shall not exceed 50% of the cardholder's credit limit. The daily limit for ATM cash withdrawal per person and card is 2,000. In addition to the cash withdrawal fees for credit card withdrawals, interest must be paid for overdraft withdrawals at home and abroad. Some banks can enjoy interest-free treatment.

Notes on cash withdrawal with credit card

1. The cash withdrawal cannot be repaid in installments

If you withdraw cash with a credit card, the cash withdrawal cannot be repaid in installments. And there are many bank credit cards where the cash withdrawal part is fully included in the minimum repayment amount. In other words, how much you withdraw in cash must be paid back on the repayment date, and it must be paid off in one go. There must be no arrears or insufficient repayment amount. Otherwise, it will be overdue, which will directly affect the tax collection. letter.

2. High handling fees

The handling fees required for cash withdrawals by credit cards in different banks are also different. Generally, the handling fees for credit card cash withdrawals are between 1% and 3%. between. In addition, after withdrawing cash, it means that you can no longer enjoy the interest-free period, and the bank will also charge a certain amount of interest from the cardholder. The interest will be calculated on a daily basis from the accounting date, with a daily interest rate of RMB 50,000, until the debtor until the debt is paid off.

3. Cash withdrawal affects the application limit business

For banks, when there is a cash withdrawal, the bank will think that the cardholder has insufficient repayment ability, and it will be unreasonable to apply for a limit increase again. It is more difficult to succeed, so it is best not to do cash withdrawal business. The cost of cash withdrawals with credit cards is high and cannot be paid in installments, which can easily lead to greater repayment pressure.

How to withdraw cash with CCB credit card

Question 1: How to withdraw cash with CCB credit card CCB credit card can withdraw cash, but a certain handling fee will be charged. Different levels, the cash withdrawal amount is generally The consumer credit limit ranges from one-half to one-fifth, or even lower.

Cash withdrawals with credit cards are different from consumption. When customers use credit cards to make purchases, the bank will give them an interest-free repayment period. The longest is more than 50 days. Customers must repay within the interest-free repayment period. No fees are paid and the bank makes no money from it.

There is no interest-free period for cash withdrawals. As long as the customer withdraws cash, the bank will charge the customer at least 0.05% interest every day, and some also have handling fees. The handling fee for domestic cash withdrawals is 0.5% of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. The interest charging standard is based on the daily interest rate of 0.05%, and compound interest is calculated on a monthly basis.

The daily cash withdrawal limit for CCB credit cards will be raised from RMB 2,000 to RMB 5,000. Many young people have expressed "serious concern" about this, but financial experts say it is necessary to remind credit card users that increasing the daily cash withdrawal limit can solve urgent needs, but the more you get, the more you have to pay.

Question 2: Can I withdraw cash with CCB credit card? CCB credit card can withdraw money through ATM machines of various banks or CCB counters.

In addition, is the poster withdrawing your excess deposits (i.e. overdraft payment) from your credit card or withdrawing cash from your overdraft?

If it is an overdraft payment, there is no charge for withdrawing it at the local bank. There is a cash withdrawal fee (the so-called local means that you can withdraw cash within the administrative province where the credit card issuance bank is located. For example, if your card is issued in Suzhou and the issuing bank is the Suzhou branch, there will be no cash withdrawal fee if you withdraw it in Jiangsu Province. Vice versa. If you withdraw money outside the administrative province, there will be a cash withdrawal fee. The rate is 0.5% of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. In addition, regardless of whether within the province or outside the province, the maximum fee for withdrawal through self-service equipment is 2,000 per card per day. , if the owner’s deposit is more than 2,000 yuan, and you want to withdraw it at one time, you have to go to the counter to withdraw cash.)

If it is an overdraft withdrawal, the bank stipulates that the daily cash withdrawal per card shall not exceed 2,000 yuan, and the cash withdrawal fee is . 0.5% of the amount, at least 2 yuan, and overdraft cash withdrawals do not enjoy the interest-free period. Starting from the day of cash withdrawal, interest of 0.5% of the cash amount will be charged every day

For example, the poster withdraws 2,000 yuan in overdraft cash , repay after 10 days

Total *** amount to be repaid = cash withdrawal principal, cash withdrawal handling fee, cash withdrawal interest

=200020000.5%20000.05%10 (10 days of interest)

=20001010

=2020 yuan

In just 10 days, an additional fee of 20 yuan will be incurred. In fact, it is quite high. It is recommended that the poster try not to overdraft and withdraw cash. , or return it as soon as possible after withdrawing the cash~

If the poster has any other questions, you can ask.

Question 3: How to withdraw cash with CCB Long Card credit card? Of course, you can withdraw cash with a credit card. There are two types of cash withdrawals.

1. Overdraft cash withdrawal, the cash withdrawal limit is 50% of your credit card limit, and each card can only withdraw up to 2,000 per day. There are handling fees and interest for overdraft withdrawals. The handling fee is 0.5% of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. There is no interest-free period for cash withdrawals. The bank will charge interest at a rate of 50,000 per day from the date you withdraw the cash into your account.

2. Take excess payment. If you have excess deposits on your card, that is, overpayments, you can of course withdraw as much as you want, and there is no handling fee for withdrawing overpayments from the China Construction Bank in the province where your card issuance bank is located. But remember, if you go to an ATM, you can only withdraw 2,000 per card per day. If you exceed 2,000, you have to go to the counter to withdraw it. If your overpayment amount is large, such as more than 50,000, then you need to make an appointment at an outlet.

Question 4: How to withdraw cash with CCB credit card? Once you know the card and password, you can withdraw it directly at the counter or self-service equipment.

The daily cash withdrawal cannot exceed 2,000.

Question 5: What type of Dragon Card can you use to withdraw cash with CCB credit card? Cash withdrawal is one of the basic financial functions of CCB credit card. Every credit card has it.

You need to use the excess deposit in the credit card (i.e. overpayment) Or the credit card limit

If it is an overpayment, then there is no cash handling fee for withdrawing it at the local bank.

The so-called local refers to the administrative province where the credit card issuing bank is located. For in-house withdrawals, for example, if your card is issued in Suzhou and the card-issuing bank is the Suzhou branch, then there is no cash withdrawal fee if you withdraw within Jiangsu Province. Conversely, if you withdraw money outside the administrative province or across banks, there will be a cash withdrawal fee. The rate is 0.5% of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan.

In addition, no matter inside or outside the province, the maximum amount you can withdraw through self-service equipment is 10,000 yuan per card per day. If your deposit is more than 10,000 yuan and you want to withdraw it all at once, you have to go to the counter to withdraw it. If it is more than 50,000 yuan, you need to make an appointment

If it is the overdraft limit of the card, the bank stipulates that the daily cash withdrawal per card shall not exceed 10,000 yuan. The cash withdrawal fee, regardless of whether it is from a different place, is 0.5% of the cash withdrawal amount, with a minimum of 2 yuan, and there is no overdraft cash withdrawal. Enjoy the interest-free period, starting from the day of withdrawal, and charge interest at 0.05% of the cash amount every day

For example, the poster overdrafted 2,000 yuan in cash and paid it back 10 days later

Total ***Amount to be repaid = Cash withdrawal principal, cash withdrawal handling fee, cash withdrawal interest

=200020000.5%20000.05%10 (10 days of interest)

=20001010

=2020 yuan

Question 6: Can CCB credit cards be used to withdraw cash from ATM machines? Yes, withdrawing cash from an ATM is called an overdraft withdrawal. The interest of 0.05% is calculated from the date of withdrawal. The 0.5% is the daily interest. The interest rate for withdrawing 10,000 yuan per day is 5 yuan.

Please adopt

Question 7: How to withdraw money with CCB credit card? CCB credit card can withdraw money through ATM machines of various banks or CCB counters.

In addition, is the poster withdrawing your excess deposits (i.e. overdraft payment) from your credit card or withdrawing cash from your overdraft?

If it is an overdraft payment, there is no charge for withdrawing it at the local bank. There is a cash withdrawal fee (the so-called local means that you can withdraw cash within the administrative province where the credit card issuance bank is located. For example, if your card is issued in Suzhou and the issuing bank is the Suzhou branch, there will be no cash withdrawal fee if you withdraw it in Jiangsu Province. Vice versa. If you withdraw money outside the administrative province, there will be a cash withdrawal fee. The rate is 0.5% of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. In addition, regardless of whether within the province or outside the province, the maximum fee for withdrawal through self-service equipment is 2,000 per card per day. , if the owner’s deposit is more than 2,000 yuan, and you want to withdraw it at one time, you have to go to the counter to withdraw cash.)

If it is an overdraft withdrawal, the bank stipulates that the daily cash withdrawal per card shall not exceed 2,000 yuan, and the cash withdrawal fee is . 0.5% of the amount, at least 2 yuan, and overdraft cash withdrawals do not enjoy the interest-free period. Starting from the day of cash withdrawal, interest of 0.5% of the cash amount will be charged every day

For example, the poster withdraws 2,000 yuan in overdraft cash , repay after 10 days

Total *** amount to be repaid = cash withdrawal principal, cash withdrawal handling fee, cash withdrawal interest

=200020000.5%20000.05%10 (10 days of interest)

=20001010

=2020 yuan

In just 10 days, an additional fee of 20 yuan will be incurred. In fact, it is quite high. It is recommended that the poster try not to overdraft and withdraw cash. , or as soon as possible after withdrawing cash

Question 8: How to calculate the handling fees and interest for withdrawing cash with CCB credit card? The cash withdrawal fee is 0.5% of the cash withdrawal amount, and the interest is 0.5% per day.

The 5-day handling fee and interest are 10000.5%10000.05%5=7.5

Question 9: How much cash can you withdraw with a CCB credit card in a day? CCB credit card, cash withdrawal limit: per card per day The limit is 5,000 yuan, and the cumulative amount cannot exceed 50% of the credit limit. The cash withdrawal fee is 0.5% of the cash withdrawal amount, with a minimum of 2 yuan and a maximum of 50 yuan. Interest will be accrued in full from the day of each cash withdrawal, with an interest rate of 0.5% per day and compound interest accrued on a monthly basis.

I accidentally transferred money to a CCB credit card. How can I withdraw it?

You can take it out, and you can withdraw cash at the counters of CCB branches, ATMs or ATMs of other banks.

Construction Bank credit card cash withdrawal limits and restrictions:

1. Construction Bank credit card cash withdrawal restrictions: Within the country, the cumulative amount of cash withdrawals (cash withdrawals) per card per day shall not exceed RMB 5,000 ( Excluding withdrawals at overpayment outlets); overseas, the cumulative amount of daily cash withdrawals (cash withdrawals) for ordinary cards shall not exceed US$500, for gold cards shall not exceed US$1,000, and per month shall not exceed US$5,000.

2. CCB credit card cash withdrawal limit: The overdraft cash withdrawal limit is set according to your card usage, and the maximum does not exceed 50% of your credit limit.

3. If you withdraw more than 2,000 yuan in excess payment on the same day, you must go to the counter of a China Construction Bank outlet.

Construction Bank credit card cash withdrawal fee:

1. If it is an overdraft withdrawal, the total cumulative cash withdrawal shall not exceed 50% of the credit limit, and shall not exceed the currently available credit limit of the card (i.e. credit limit - used limit). According to the relevant requirements of the regulatory agency, within the available cash withdrawal limit, the cumulative daily cash withdrawal amount per card shall not exceed RMB 2,000.

A handling fee is required when withdrawing cash, and does not enjoy interest-free treatment. Corresponding interest will be calculated based on the overdraft time, and interest will be calculated at 0.05%/day starting from the date of the cash withdrawal transaction. Currently, CCB has a preferential cash withdrawal fee rate, which is the lowest among its peers. It is 0.5% of the cash withdrawal amount, with a minimum fee of 2 yuan and a maximum fee of 50 yuan.

2. If you are withdrawing cash for overpayment, you can withdraw it through the counter of a CCB outlet without the 2,000 yuan limit. You do not need to pay a handling fee for withdrawing overpayment from a local CCB bank, just like withdrawing from a debit card. Money is the same. The calculation and charging standards for overdraft withdrawals in other places or across banks are the same as those for overdraft withdrawals.

Summary: In fact, banks do not encourage cardholders to charge money into credit cards, because credit cards adopt a model of consumption first and repayment later. Therefore, the bank stipulates that a certain handling fee will be charged for overpayment withdrawal. If a cardholder encounters an "overpayment" situation, it is best to consume the overpayment by swiping the card to avoid unnecessary expenses.

Extended information:

As for the handling fees for "overpayment" when credit card holders withdraw cash, the charging bank stated that although the credit card holder withdraws his own money, It occupies the relevant resources of the bank. Because unlike ordinary debit cards, credit cards are cumbersome in terms of deposit and withdrawal account processing, and credit cards are used to encourage customers to spend, not for cardholders to use them as savings accounts, so the charges are reasonable.

Moreover, "overpayment" does not include interest. In other words, there is no benefit to "recharging" your credit card in advance and then spending it. If the cardholder wants to increase a certain credit limit, he or she can apply for a temporary limit from the bank's customer service center. There is no need to rely on "overpayment" to increase spending power.